Fifty-seven percent of American workers have saved less than $25,000 for retirement, and 28% have saved less than $1,000. 1
Will you outlive your retirement income? Are your financial expectations for the coming year realistic?
Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.
HOT TOPIC: New Chair, Same Fed?
New Fed chair Janet Yellen, forward guidance for future action, and how investors and the economy could be affected.
Weighing Price and Earnings
Some factors that may affect P/E ratios and what they might reveal about individual stocks and broader market trends.
Reading into the Federal Reserve’s Beige Book
A look at how the FOMC compiles the Beige Book and some of the useful information that can be found in it.
Should You Open the Door to Closed-End Funds
A description of closed-end funds and why income-oriented investors may want to consider them for their portfolios.
Enforcement Programs Aimed at Small Businesses
While small biz strive to comply with the federal tax code, certain practices could attract attention from the IRS.
When Your Child Should File a Tax Return
IRS rules regarding who must file are based on the amount and source of income rather than age
HOT TOPIC: The Japanese Economy
In 2013, Japan’s economy and stock market showed promising signs of progress after 15 years of deflation.
Overcoming Retirement Challenges
Four common obstacles to saving for retirement with suggestions on how to get back on track.
Looking Back, Looking Forward
Various indicators (leading, coincident, and lagging) may be helpful to better understand economic trends.
Time for a Trust
Common types of trusts, the issues they might address, and the benefits they may provide.
TIPS for Inflation Protection
Treasury Inflation-Protected Securities could help provide a hedge against future inflation.
Overcoming Cloud Confusion
Cloud-based services available to businesses and some of the pros and cons.
HOT TOPIC: When the Fed Speaks, Markets Listen. Should You?
Some decisions facing Fed officials in the coming months, and how policy changes might affect the economy and investor portfolios over the short and long term.
Teach Your Children Well
This article explains why it is important to teach young people about finances and offers tips to help develop children’s financial knowledge.
Rung by Rung: Building a Bond Ladder
A bond ladder could help investors stagger the maturity dates of bonds to limit long-term exposure to low rates and allow some principal to be reinvested when rates are rising.
How a Pension Could Affect Social Security Benefits
The Windfall Elimination Provision and the Government Pension Offset could reduce Social Security spousal or survivor benefits in certain situations
Women and Retirement Investing
Focusing on education and the prudent management of retirement plan investments could help many women improve their financial prospects.
Evaluating the Need for Long-Term-Care
Certain insurance products could be used to help prevent retirement savings from being wiped out by the escalating cost of long-term care.
HOT TOPIC: Airline Consolidation
This article examines the potential effects of airline consolidation for investors, consumers, and the broader U.S. economy.
Making Sense of Auto Financing
Buyers who intend to finance a new car purchase should generally shop carefully for the best price and terms.
A Will to Help Your Children
This article explains the importance of a will, and why families who have children with special needs might also consider a special-needs trust.
Shunning Stocks May Come with a Cost
Why avoiding stocks altogether could prevent a portfolio from keeping pace with inflation.
How a mix of taxable and tax-deferred accounts could help reduce the effect of taxes on an overall portfolio.
Orchestrating an Exit
Devising a written business succession plan could ultimately benefit the owner, the owner’s family, and possibly the employees.
HOT TOPIC: Cybercrime Update
This article focuses on debit- or credit-card fraud and identity theft, including steps you can take to help safeguard your personal information and financial accounts.
Investors as Corporate Citizens
Sustainability has become a fundamental business goal for many corporations throughout the world, driven in part by investors.
Keeping Talent On Board
An executive bonus plan funded with cash-value life insurance could be used to reward and help retain a company’s most valuable employees.
America’s Pension Problems
A closer look at how pensions operate and why it might not be wise to rely solely on a pension when assessing retirement income needs.
Energy Update: Natural Gas Boom
The potential implications of how shifts in energy production, consumption, and policy could affect supplies and prices in the future.
Target-Date Funds Keep Retirement in Sight
Examine target-date funds and why funds with the same target date are not all the same.
HOT TOPIC: Putting Market Records in Perspective
This article presents some key issues for investors to consider regarding the market in the context of the broader economy.
Investing Without Borders
International investing offers an opportunity to pursue potential economic growth outside the United States, but it carries additional risks.
Save as Much as You Want — Tax Deferred
There are other savings options available for those who want to contribute more to a tax-advantaged retirement plan than annual limits allow.
Disability Income Insurance
Proper insurance coverage can help ensure your income, assets, and lifestyle are not at risk from a potential disability.
Sandy Delivered Hard Knocks
Superstorm Sandy demonstrated the importance of adequate insurance protection and the need to reduce uninsured losses.
Expanding a Student’s College Options
To help students cover rising higher-education costs, it may be wise to start saving as early as possible.